r/CreditCards•5 yr. ago

Postal mail mailing lists to be on to get credit card signup bonus offers?

Are there postal mail (physical mail) mailing lists from companies like airlines, Chase, etc, that I should be on to get the best credit card travel mile signup bonus offers? I know some credit card signup offers are invite only. But I tend to remove myself from pretty much all mailing lists because I don't like junk mail. But are there some that I should get on to get the best credit card offers?

Posted Oct 27, 2021, 4:07 PM UTC

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redditisonomatopoeic•5 yr. ago

I can speak to Chase. Open a banking account with them, they often have a nice SUB attached to a new account. You'll have an online portal with them, and in that portal are two sections - "Just for you" and "Credit Journey > Offers".

You'll want to look for fixed-APR offers. All mailers are prescreened for certain criteria, and IMO only the fixed-APR offers that are far and few between are of interest.

Follow the Doctor of Credit site, it's updated regularly and the site does not use affiliate referral links for monetization, there's a breakdown of most offers and a "verdict" of each offer, and a web page dedicated to best SUB offers from banks and card issuers.

optimaloptimist101•5 yr. ago

You can opt into through the link below but most of the offers you'll get are horrible offers.

https://www.optoutprescreen.com

Many issuers will send you offers for other cards when you already have a relationship with them (other credit cards or checking account) or when you already have great credit and they want to get in your wallet. If you are eligible for the Chase Sapphire Preferred bonus, go in branch right now for the 100k + waived AF Year 1 offer!

RandSand•5 yr. ago

Credit card issuers frequently perform soft pulls on your credit report to determine which mail offer to send to you. Many different factors are looked at although one of them is utilization and available credit. Some issuers even target individuals with high utilization such as the Ollo optimum. I myself received a mailer for the amex card magnet with a $50 higher SUB and half the required spend to meet that SUB compared to the publicly available offer on their website.